Health or Health Plus premiums are determined by your age and whether you are insured as:

Single (Coverage for only you)

Single plus one Dependent child (Coverage for you and one dependent child)

Couple (Coverage for you and your spouse)

Family (Coverage for you and two or more family members)

Dental or Dental Plus premiums are determined as:

Single (Coverage for only you)

Couple (Coverage for you and one family member)

Family (Coverage for you and two or more family members)

Rates are based on an age-banded basis. Premiums increase as Insured moves to a different age-band, which is determined by Insureds age as of the 1st of January each year. Age-band 80+ is for renewal rates only. Premiums are payable monthly by pre-authorized bank deduction, which is made on the 1st or 22nd business day of each month.

Rates are reviewed annually and subject to change. Premiums are subject to sales tax, where applicable.